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Peoples Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$13.6M in Q3 2026 · $45.4M over twelve months

Operating cash flow$14.8M
Capital spending−$1.3M
Free cash flow+$13.6M
Cash / net income0.8×

Analysis

In Q3 2026, Peoples Financial Services generated $14.8M of operating cash flow and spent $1.3M on capital projects, leaving free cash flow of $13.6M. That is $522K more than in Q3 2025 ($13.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $53.1M; the largest uses were other investing ($248M), net borrowing (+) / repaid (−) ($33.6M), dividends ($24.9M); besides operations, cash came from other financing ($382M), asset & business sales ($4.4M); the cash balance rose by $125M.

Operating cash flow was $14.8M against net income of $19.1M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$16.3M, other liabilities +$9.4M, deferred taxes +$1.0M.

Free cash flow

Peoples Financial Services: free cash flow by quarterPeoples Financial Services: free cash flow by quarter$10.2MQ4 2024$8.6MQ1 2025$8.5MQ2 2025$13.0MQ3 2025$13.2MQ4 2025$6.5MQ1 2026$12.2MQ2 2026$13.6MQ3 2026
Operating cash flow less capital spending.
Peoples Financial Services: operating cash flow against capital spendingPeoples Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$7.9M−$2.4MQ4 2024$9.1M$499KQ1 2025$13.9M$5.4MQ2 2025$15.2M$2.2MQ3 2025$16.1M$2.9MQ4 2025$8.3M$1.8MQ1 2026$13.9M$1.7MQ2 2026$14.8M$1.3MQ3 2026
Latest (Q3 2026): Operating cash flow $14.8M, Capital spending $1.3M.

Capital allocation, year by year

Peoples Financial Services: where the cash came from (up) and went (down), by fiscal yearPeoples Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingDividendsFY2021: Operating cash flow $40.8MFY2021: Net borrowing −$62.1MFY2021: Asset sales $58KFY2021: Capital spending −$4.9MFY2021: Dividends −$10.8M$40.8MFY2021FY2022: Operating cash flow $42.4MFY2022: Net borrowing $113MFY2022: Asset sales $170KFY2022: Capital spending −$7.8MFY2022: Dividends −$11.3M$155MFY2022FY2023: Operating cash flow $33.3MFY2023: Net borrowing −$72.9MFY2023: Asset sales $14KFY2023: Capital spending −$5.9MFY2023: Dividends −$11.7M$33.3MFY2023FY2024: Operating cash flow $34.7MFY2024: Net borrowing −$155MFY2024: Asset sales $1.8MFY2024: Capital spending −$2.6MFY2024: Dividends −$18.1M$36.5MFY2024FY2025: Operating cash flow $54.3MFY2025: Net borrowing $52.2MFY2025: Asset sales $7.4MFY2025: Capital spending −$10.9MFY2025: Dividends −$24.6M$114MFY2025
Over these 5 years operating cash flow totalled $205M; the largest uses were net borrowing ($290M) and dividends ($76.5M). Cash-flow statements as filed.

Where the cash came from and went

Peoples Financial Services: sources (+) and uses (−) of cash, Q3 2026Peoples Financial Services: sources (+) and uses (−) of cash, Q3 2026Other financing$163MOther investing−$61.8MNet borrowing (+) / repaid (−)−$60.0MCash drawn (+) / kept (−)−$48.7MOperating cash flow$14.8MDividends−$6.3MCapital spending−$1.3MTaxes on employees’ shares−$84K
Peoples Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Peoples Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$382MOther investing−$248MCash drawn (+) / kept (−)−$125MOperating cash flow$53.1MNet borrowing (+) / repaid (−)−$33.6MDividends−$24.9MCapital spending−$7.7MAsset & business sales$4.4M

From profit to cash

Peoples Financial Services: net income to operating cash flow, Q3 2026Peoples Financial Services: net income to operating cash flow, Q3 2026Net income$19.1MDepreciation & amortization$936KStock-based pay$584KDeferred taxes$1.0MPrepaid and other assets−$16.3MOther liabilities$9.4MOperating cash flow$14.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$14.8M−$1.3M−$6.3M−$60.0M−$48.7M$13.6M
Q2 2026$13.9M−$1.7M−$6.2M−$74.3M$72.4M$12.2M
Q1 2026$8.3M−$1.8M−$6.2M$147M−$59.6M$6.5M
Q4 2025$16.1M−$2.9M−$6.2M−$46.4M−$89.1M$13.2M
Q3 2025$15.2M−$2.2M−$6.2M$33.5M−$4.2M$13.0M
Q2 2025$13.9M−$5.4M−$6.2M$61.2M−$98.6M$8.5M
Q1 2025$9.1M−$499K−$6.2M−$11.4M$58.7M$8.6M
Q4 2024$7.9M$2.4M−$6.2M−$13.0M$150M$10.2M

Peoples Financial Services: income statement and cash flow

Peoples Financial Services, Q3 2026: revenue $53.0M (+14% year over year), operating margin 42.3%. The chart follows the revenue to costs, profit and cash.

Peoples Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.